i worked in the private sector in new york and new jersey. one of the things i know there's a real potential here if we are avoiding future coasts, if we we are avoiding higher insurance costs or private sector cost in the future, there should be a way to captained lose the benefit in the -- capitalize the benefit in the future in to the private sector funding today. one of my principles in leading this, the federal government should be a leader, not the only leader, a leader in doing smart mitigation. we have to look to our participanter ins a the the state and local level. we need to look to the the private sector help leverage whatever funding with he provide to dot smart things. they'll be the beneficiaries as well if we avoid this kind of damage from happening again. >> and mr. fugate. >> yes, i think we show that in new jersey, new york, connecticut, other areas where we have used a flood insurance map programs to illustrate risk and homes were elevated, many of them had minimal damage and were able to be reoccupied when the power game